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It depends on the program, property, and your eligibility. A 20% down payment is not required for every loan. We’ll compare your options and account for closing costs and money you want to keep in reserve.

Common requests include identification, income records, bank statements, and information about your debts. The exact documents depend on your employment, income sources, and loan program. I’ll help you understand what applies to you.

You do not need perfect credit, but credit history and scores affect eligibility and loan terms. We’ll review your full situation rather than assume one score tells the whole story.

Have an initial conversation while you’re planning, and consider preapproval before you begin seriously shopping. Preapproval is conditional, may expire, and is not a guarantee of final loan approval.

Your home search and your loan timeline are separate. Once you’re under contract, timing depends on the contract, documentation, appraisal, title work, and underwriting. We’ll discuss a realistic timeline for your situation.

Investment-property financing is available, but requirements and costs differ from financing a primary home. Occupancy, property type, income, and your broader finances all matter.

Self-employed buyers can qualify for mortgages. Documentation depends on the program and may involve tax returns or other eligible income records. We’ll look at how your income is documented and which options may fit.

We’ll start with a monthly payment you’re comfortable carrying. I’ll help you account for taxes, insurance, mortgage insurance, HOA dues, other expenses, and the savings you want to keep. The calculator gives you an initial estimate; our conversation turns those numbers into a financing plan.